Invest Capital Investment Bank Limited (PSX: ICIBL)

ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest and Dividend Income	131.52	125.63	123.56	117.73	67.08	62.82
Total Interest Expense	-0	-	12.03	4.93	9.84	21.24
Net Interest Income	131.53	125.63	111.53	112.8	57.24	41.58
Gain on Sale of Investments (Rev)	17.37	18.62	-3.42	-5.06	2.71	-6.68
Other Revenue	7.66	6.16	3.01	-2.45	-4.2	35.33
Revenue Before Loan Losses	156.56	150.42	111.12	105.29	55.76	70.23
Provision for Loan Losses	-31.73	-29.51	-19.65	-32.73	-39.79	49.67
Revenue	188.29	179.93	130.77	138.02	95.55	20.56
Revenue Growth (YoY)	30.38%	37.59%	-5.25%	44.45%	364.83%	-63.74%
Cost of Services Provided	36.42	37.29	34.95	27.28	23.88	23.07
Other Operating Expenses	0	0	0.01	0.01	0.01	0.01
Total Operating Expenses	36.42	37.3	39.18	27.33	27.1	26.39
Operating Income	151.87	142.63	91.59	110.69	68.45	-5.83
Other Non-Operating Income (Expenses)	5.65	5.16	6.55	5.12	3.97	4.31
EBT Excluding Unusual Items	157.52	147.79	98.14	115.81	72.42	-1.52
Gain (Loss) on Sale of Investments	0.69	0.69	-	-	-	-
Other Unusual Items	-	-	-	5.73	18.66	70.4
Pretax Income	158.21	148.48	99.23	121.54	91.08	68.89
Income Tax Expense	24.86	23.86	9.47	26.27	7.22	22.77
Net Income	133.35	124.62	89.76	95.27	83.86	46.12
Net Income to Common	133.35	124.62	89.76	95.27	83.86	46.12
Net Income Growth	32.70%	38.84%	-5.79%	13.61%	81.81%	-
Shares Outstanding (Basic)	285	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285	285
Shares Change (YoY)	0.12%	-	-	-	-	-
EPS (Basic)	0.47	0.44	0.32	0.33	0.29	0.16
EPS (Diluted)	0.47	0.44	0.32	0.33	0.29	0.16
EPS Growth	32.55%	38.84%	-5.79%	13.61%	81.81%	-
Free Cash Flow	115.15	104.97	60.05	98.23	158.55	19.72
Free Cash Flow Per Share	0.40	0.37	0.21	0.34	0.56	0.07
Operating Margin	80.66%	79.27%	70.04%	80.20%	71.63%	-28.36%
Profit Margin	70.82%	69.26%	68.64%	69.03%	87.76%	224.37%
Free Cash Flow Margin	61.16%	58.34%	45.92%	71.17%	165.93%	95.92%
Effective Tax Rate	15.71%	16.07%	9.55%	21.61%	7.93%	33.05%
Revenue as Reported	147.06	150.42	123.15	110.22	65.6	91.47

Source: S&P Capital IQ. Capital Markets template. Financial Sources.